KR102479928B1 - System and method for managing retirement pension - Google Patents

Abstract

A retirement pension management system and method are disclosed. The retirement pension management system creates a basic information table containing fixed information of retirement pension investment products and a variable information table containing variable information of the evaluation amount of investment products, and divides the items of asset management institutions and operation management institutions. Create an integrated ledger that is commonly used by asset management institutions and operation management institutions using identifiers, and integrate transaction details to be performed by asset management institutions and operation management institutions along with information on the main transaction details that caused the above transaction details stored in a table.

Description

Retirement pension management system and method {System and method for managing retirement pension}

Embodiments of the present invention relate to a retirement pension system, and more particularly, to a system and method for integrated management of ledgers and transactions related to retirement pensions stored and managed by a plurality of institutions.

The retirement pension system entrusts the retirement benefits to be paid to workers by the company to the financial company, not the company, to ensure the life of the workers in their old age. It is a system that

1 is a diagram showing an example of a conventional retirement pension system.

Referring to FIG. 1, the subject of the retirement pension system is composed of an operation management institution 100, an asset management institution 110, and a trust institution 130. The management institution 100, the asset management institution 110, and the trust institution 130 may be separate companies or the same company.

Each server of the management institution 100, asset management institution 110, and trust institution 130 is connected to each other through a communication network, and each server stores and manages information on investment products of retirement pension product basic balance database ( 102,112,132), deposit details database (104,114,134), reinvestment details database (106,116,136), and operation instruction database (108,118,138). The asset management institution 110 further includes a payment details database 120 .

Some of the information stored and managed by each database of the operation management institution 100, the asset management institution 110, and the trust institution 130 may be different from each other. For example, items of the basic product balance ledger stored in the basic product balance database 102 of the operation management institution 100 and items of the basic product balance ledger stored in the basic product balance database 112 of the asset management institution 110 Some of them may be different.

The product base balance database (102, 112, 132) of each institution (100, 110, 130) is a ledger of the product base balance including information such as product information (eg, time deposit, beneficiary certificates, etc.) in which retirement pension is invested, and the evaluation amount of each investment product. Save the The basic product balance databases 102, 112, and 132 carry over and store the basic product balance table constituting the ledger on a daily basis.

The deposit details database (104, 114, 134) stores the deposit details of the retirement pension. For example, when the asset management institution 110 receives a deposit of a retirement pension for an employee belonging to a retirement pension subscription company, the retirement pension deposit details are stored in the deposit details database 114. The operation management institution 100 and the trust institution 130 refer to the deposit details database 114 of the asset management institution 110 to update their respective deposit details databases 104 and 134 .

The management instruction database (108, 118, 138) stores management-related information of the retirement pension. For example, when the asset management institution 110 receives a deposit of the retirement pension, the asset management institution 110 requests the management institution 100 to manage the retirement pension together with the deposit of the retirement pension. The management agency 100 provides retirement pension subscription companies or workers with various product information to invest in retirement pension, or receives information on the selection of products to invest in, determines investment products for retirement pension, and then transfers them to the asset management agency 110. inform The asset management institution 110 actually invests a retirement pension according to the type of investment product received from the management institution 100 and manages the evaluated amount of the investment. For the management of such a retirement pension, transaction details exchanged between each institution are stored in the operation instruction database (108, 118, 138).

The reinvestment details database (106, 116, 136) stores the details of the reinvestment of the retirement pension. And, the payment details database 120 stores the details of payment of the retirement pension to the subscriber. In this way, a plurality of institutions (100, 110, 140) are involved in the operation and management of the retirement pension, and each institution (100, 110, 130) has to create and manage its own ledger, which is inconvenient.

A technical problem to be achieved by an embodiment of the present invention is to provide a retirement pension management system and method capable of integrating management of ledgers and transactions stored and managed by a plurality of institutions, respectively.

An example of a retirement pension management system according to an embodiment of the present invention for achieving the above technical problem includes a basic information table including fixed information of an investment product of a retirement pension and variable information of an evaluation amount of an investment product. a table management unit that creates a variable information table for carrying over the variable information table; A ledger integration unit for generating an integrated ledger commonly used by the asset management institution and the operation management institution by using an identifier that distinguishes items of the asset management institution and the operation management institution; And the transaction details to be performed by the asset management institution and the operation management institution together with the information on the main transaction details that caused the transaction details are stored in the integrated transaction table, and for transaction types that can be processed in parallel or cannot be processed in parallel and a transaction integration unit for determining whether other main transaction details can be processed when a series of transaction details related to the main transaction details are processed based on a predefined rule.

An example of a retirement pension management method according to an embodiment of the present invention for achieving the above technical problem includes a basic information table including fixed information of a retirement pension investment product and variable information of the evaluation amount of the investment product. generating a variable information table for carrying over the variable information table; Generating an integrated ledger commonly used by the asset management institution and the operation management institution by using an identifier that distinguishes items of the asset management institution and the operation management institution; And the transaction details to be performed by the asset management institution and the operation management institution together with the information on the main transaction details that caused the transaction details are stored in the integrated transaction table, and for transaction types that can be processed in parallel or cannot be processed in parallel and determining whether other main transaction details can be processed based on a predefined rule when a series of transaction details related to the main transaction details are processed.

According to an embodiment of the present invention, it is possible to integrate and manage the ledgers that have been managed by a plurality of subjects, and also to prevent overlapping tasks and efficiently control and manage all transactions by integrating management of transaction details for the operation of retirement pension. can do. In addition, since the entire ledger table is not carried over and managed, only volatile items such as appraisal amount are created as a separate table and carried over, so storage capacity can be reduced. In addition, closing can be automated and automatic backup management is possible.

1 is a diagram showing an example of a conventional retirement pension system;
2 is a diagram showing an example of a retirement pension management system according to an embodiment of the present invention;
3 is a diagram showing an example of a method for generating a basic information table and a variable information table according to an embodiment of the present invention;
4 is a diagram showing an example of an integrated ledger according to an embodiment of the present invention;
5 is a diagram showing an example of a transaction integration method according to an embodiment of the present invention;
6 is a diagram showing an example of a backup management unit according to an embodiment of the present invention, and
7 is a flowchart illustrating an example of a retirement pension management method according to an embodiment of the present invention.

Hereinafter, a retirement pension management system and method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

2 is a diagram showing an example of a retirement pension management system according to an embodiment of the present invention.

Referring to FIG. 2 , the retirement pension management system 200 includes a table management unit 210, a ledger integration unit 9220, a transaction integration unit 230, a deadline management unit 240, and a backup management unit 250. Depending on embodiments, some of the elements 210 , 220 , 230 , 240 , and 250 may be omitted. For example, the closing management unit 240 or the backup management unit 250 may be omitted.

The table management unit 210 creates a basic information table 212 including fixed information about investment products of retirement pension and a variable information table 214 including variable information such as the appraised amount of investment products. Items included in the basic information table 212 and items included in the variable information table 214 are preset.

For example, when a retirement pension is deposited and the retirement pension is invested in three investment products, fixed information such as the name of the three investment products and the investment period is stored in the basic information table 212, and the three investments Information that is changed every time, such as an evaluation amount for a product and a rate of return, is stored in the variable information table 214.

The table management unit 210 carries over only the variable information table 214 without carrying over the basic information table 212 . Since the table management unit 210 stores and manages the variable information table 214 by carrying it over, the storage capacity can be greatly reduced compared to carrying over the product basic balance table as shown in FIG. 1 .

The ledger integration unit 220 generates integrated ledgers 222, 224, and 226 that can be commonly used by asset management institutions and operation management institutions by using identifiers that distinguish items of asset management institutions and operation management institutions. For example, the ledger integrator 220 integrates the deposit details database 104 of the operation management institution 100 of FIG. 1 and the deposit details database 114 of the asset management institution 110. ) can be created. In this embodiment, as an example of an integrated ledger, a deposit details integrated ledger 222 including a deposit details table, a reinvestment details integrated ledger 224 including a reinvestment details table, and an operation instruction integrated ledger 226 including an operation instruction table Although presented, this is only an example, and the type of integrated ledger can be variously modified according to the embodiment.

The ledger items used by the asset management institution and the operation management institution may be different from each other. Therefore, the ledger integration unit 220 assigns an identifier indicating which institution each item belongs to to distinguish between items commonly used by asset management institutions and operation management institutions and items uniquely used by each institution, as shown in FIG. include together Asset management institutions and operation management institutions can store, manage, and inquire necessary information using the integrated ledger.

In another embodiment, the ledger integration unit 220 integrates the basic product balance database 102 of the operation management institution 100 of FIG. 1 and the basic product balance database 112 of the asset management institution 110, and the table management unit ( 210) may create a basic information table 212 and a variable information table 214 by dividing items of the integrated product basic balance database into fixed items and variable items. Fixed items and variable items can be set in advance by an administrator.

When the basic information table 212 and the variable information table 214 are integrated, asset management institutions, operation management officers, etc. commonly use the integrated basic information table 212 and variable information table 214, and the basic information table ( 212) and the variable information table 214 include identifiers capable of distinguishing items unique to each institution.

The transaction integration unit 230 integrates and manages transactions of operation management institutions and asset management institutions. For example, looking at the investment process of retirement pension, when an asset management institution receives a deposit of retirement pension from a retirement pension subscriber company, it requests an investment product for it from an investment management institution and invests in the investment product provided by the investment management institution. During the investment process, an asset management institution may receive a request for payment of retirement benefits from a retirement pension subscriber, and may repay part or all of the deposited retirement pension to the subscriber.

In the case of the conventional retirement pension system of FIG. 1, since the management institution or the asset management institution performs individual transactions using their respective databases, the asset management institution repays part or all of the retirement pension to the subscribed company. Independently of investment products, the process of selecting investment products and proceeding with investment is carried out, and the asset management institution carries out the process of paying retirement benefits to subscribing companies separately from the investment of the investment management institution's retirement pension. Disagreements may occur in transactions between institutions, so there is an inconvenience of having to match them through deadlines.

This embodiment introduces the concept of a main transaction and a sub-transaction, and stores and manages transactions of each institution in the integrated transaction table 232 in order to prevent discrepancies in the transactions of each institution. For example, the transaction integration unit 230 stores information on the main transaction details that caused the transaction details together with the transaction details to be performed by the asset management institution and the operation management institution in the integrated transaction table 232, and parallel processing is possible. Based on predefined rules for transaction types or transaction types that cannot be processed in parallel, when a series of transaction details related to the current main transaction details are processed, it is determined whether other main transaction details can be processed.

For example, when a retirement pension is deposited, a transaction occurs to store and manage the deposit details in the deposit history ledger of an asset management institution, and a transaction to purchase investment products provided by an asset management institution through an investment management institution occurs in a series of steps. occurs in association with Among a plurality of related transactions, the transaction that is the first cause is called the main transaction, and a series of transactions that occur in connection with the main transaction are called secondary transactions. If the transaction integration unit 230 includes a rule stipulating that the deposit transaction of the retirement pension and the payment transaction of the retirement pension cannot be performed simultaneously, the transaction integration unit conducts a series of transactions from the deposit transaction of the retirement pension to the purchase of investment products. Until the transaction is completed, even if a current transaction of retirement pension occurs in the meantime, this is not carried out, and the purchase transaction of the investment product is waited until the completion. That is, the transaction integration unit 230 allows the payment transaction of the retirement pension to be performed after the purchase transaction of the investment product is completed. An example of an integrated transaction table is shown in FIG. 5 .

The closing management unit 240 automatically performs closing including issuance of slips based on the integrated transaction table 232 . Since each transaction occurs sequentially without discrepancies through the integrated transaction table 232, the closing management unit 240 automatically performs the corresponding closing when a series of transactions of the main transaction-sub transaction through the integrated transaction table 232 is completed. can

The backup management unit 250 creates a backup management table including a backup target table, a backup execution date, a backup target period, etc., backs up a table of a certain period based on the backup management table, and deletes a table of a certain period. The backup management unit 250 will be reviewed again with reference to FIG. 6 .

3 is a diagram illustrating an example of a method of generating a basic information table and a variable information table according to an embodiment of the present invention.

Referring to FIG. 3 , conventionally, information on investment products of a retirement pension is stored and managed in the product basic balance table 300 of each institution. Therefore, since the basic product balance table 300 for each institution must be carried over every time, a lot of storage space is required.

This embodiment includes a basic information table 310 including fixed information such as the name of the investment product, investment period, etc. among information on investment products of retirement pension, and variable information that changes every day, such as the evaluation amount or rate of return of the investment product. A variable information table 320 is created separately. Items of the basic information table 310 and items of the variable information table 320 are set in advance. The basic information table 310 needs to be generated only once and is not carried over, and only the variable information table 320 is carried over and stored every time. Accordingly, the present embodiment can save storage space by carrying over the variable information table 320 having a relatively small data size compared to the product basic balance table 300 .

4 is a diagram showing an example of an integrated ledger according to an embodiment of the present invention.

Referring to FIG. 4 , the integrated ledger 400 includes each item 410, its contents 420, and an institution identifier 430 indicating which institution uses each item. As an example of the integrated ledger 400, as shown in FIG. 2, there may be ledgers such as deposit details, reinvestment details, and operation instructions. As another example, the basic information table and the variable information table may also be composed of an integrated ledger.

5 is a diagram showing an example of a transaction integration method according to an embodiment of the present invention.

Referring to FIG. 5 , a plurality of transaction types 500 are defined. The transaction type 500 represents a type of transaction performed by an asset management institution or an operation management institution, and may be defined in various ways according to embodiments.

The transaction integration unit 230 stores transaction details to be performed by an asset management institution or an operation management institution in the integrated transaction table 232 . The integrated transaction table 232 includes a pla number 510 to classify retirement pension subscriber companies, a subscriber number 512 to classify employees of a retirement pension subscriber company, a transaction sequence number 514 assigned sequentially to each transaction, and a transaction date. (516), transaction type (518), transaction detail type (520), business transaction number (522) to classify each transaction, and main transaction type indicating which transaction is the main cause of each transaction (ie, main transaction) 524 and the main transaction number 526 indicating the corresponding details stored in the ledger of the main transaction. The integrated transaction table 232 of this embodiment is only one example and is not limited thereto, and the items included in the integrated transaction table 232 can be variously modified according to the embodiment.

The business transaction number 520 may be composed of 'plan number 510 + transaction sequence number 512'. The business transaction number 520 may also be used in the same way as the ledger associated with the transaction (eg, deposit details 222, reinvestment details 224, and operation instructions 226). For example, when the retirement pension is deposited, the transaction integration unit 230 records the transaction details including the transaction type 'deposit of burden' as a transaction type for the deposit of the retirement pension, in the integrated transaction table 232, the transaction order, It is stored together with various items such as business transaction number. In addition, the transaction integration unit 230 provides the business transaction number to the asset management institution, and the asset management institution records the deposit details of the retirement pension together with the business transaction number transmitted from the transaction integration unit 230 in the business details ledger 222. Save. Therefore, by using the business transaction number 522 of the integrated transaction table 232, details of the related ledger can be easily retrieved.

6 is a diagram illustrating an example of a backup management unit according to an embodiment of the present invention.

Referring to FIG. 6 , the backup management unit 250 creates and manages the backup management table 600 . The backup management table 600 includes a backup target table, a backup execution date, and a backup target period. Depending on the embodiment, the type of information stored in the backup management table 600 can be variously modified according to the embodiment.

The backup management unit 250 refers to the backup management table 600 to back up the table corresponding to the backup target period, and deletes the table corresponding to the backup target period when the backup is completed. The backup target table may be various tables stored in the deposit details 222, reinvestment details 224, operation instructions 226, payment details 228, etc.

For example, if the backup execution date of table A is 2019.12.01 in the backup management table, and the backup target period is defined as 2006.01.01 to 2006.12.31, the backup management unit 250 returns 2019.12.01 of table A. After backing up the data from 2006.01.01 to 2006.12.31, delete the data from 2006.01.01 to 2006.12.31 in table A.

7 is a flowchart illustrating an example of a retirement pension management method according to an embodiment of the present invention.

Referring to FIG. 7, the retirement pension management system 200 generates basic information including investment product information of a retirement pension and variable information including an evaluation amount of an investment product as separate tables, and only the variable information table is carried forward. Do (S700). Examples of creating a variable information table are shown in FIGS. 2 and 3 .

The retirement pension management system 200 creates an integrated ledger commonly used by the asset management institution and the operation management institution by using an identifier for classifying items of the asset management institution and the operation management institution (S710). Examples of integrated ledgers are shown in FIGS. 2 and 4 .

The retirement pension management system 200 stores transaction details to be performed by asset management institutions and operation management institutions along with information on the main transaction details that caused the transaction details in an integrated transaction table, and the type of transaction that can be processed in parallel or parallel processing When a series of transaction details related to the main transaction details are processed based on predefined rules for impossible transaction types, it is determined whether other main transaction details can be processed (S720).

In addition, the retirement pension management system 200 may perform closing including issuance of slips based on the integrated transaction table. The retirement pension management system 200 can create a backup management table including a backup target table, a backup date, and a backup target period, back up a table of a certain period based on the backup management table, and delete a table of a certain period. there is.

The present invention can also be implemented as computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all types of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, the computer-readable recording medium may be distributed to computer systems connected through a network to store and execute computer-readable codes in a distributed manner.

So far, the present invention has been looked at mainly with its preferred embodiments. Those skilled in the art to which the present invention pertains will be able to understand that the present invention can be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from a descriptive point of view rather than a limiting point of view. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

Claims (7)

delete delete delete delete delete generating a basic information table including fixed information of an investment product of a retirement pension and a variable information table including variable information of an evaluation amount of the investment product;
Generating an integrated ledger commonly used by the asset management institution and the operation management institution by using an identifier for distinguishing items of the asset management institution and the operation management institution; and
The transaction details to be performed by the asset management institution and the management institution are stored in the integrated transaction table along with the information on the main transaction details that caused the transaction details, and the type of transaction that can be processed in parallel or the type of transaction that cannot be processed in parallel is stored in the integrated transaction table. Based on the defined rules, determining whether other main transaction details can be processed when a series of transaction details related to the main transaction details are processed; Recording a program for executing a retirement pension management method comprising: A computer-readable recording medium.
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